The story of this market
The typical home in Cass County, Minnesota sells for about $343,000, or $205 per square foot.
Prices are up +3.2% from a year ago, so sellers still have some momentum. Homes take about 88 days to sell, which is slow. Over the long run, values in this county have grown 138% since 2000. Last year 8 of 11 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $1,014 a month.
HUD sets the fair market rent for a 2-bedroom at $1,014 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+8.3%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+17.5%). Worst: 2008 (-6.3%). Hover to read a year.
Monthly price momentum
Home values since 2015
+1.5%
MN · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,335
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+8.3%
2025 change
FHFA repeat-sales index, median of 11 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
50
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $13,921,130.
Mortgage activity
Home lending in this county
82.3%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 1522 | 910 | 82.3% | 4% | $245,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Cass County, Minnesota
Cass County's housing market remains stable, driven by consistent demand for lake-front and recreational properties. While inventory levels are moderate, the market is seeing steady price appreciation, reflecting the area's appeal as a destination for both primary residents and seasonal homeowners.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the prior refresh cycle (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 5 cities · 7 ZIP reports
Median prices moved down 16.4% year over year.
Homes spend a median of 74 days on market with 4.6 months of supply — a balanced-paced market.
8% of listings have cut prices · homes sell at 98.25% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.8% · poverty 10.2% — a stable, low-distress profile.
Deterministic aggregate of 2 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Cass County, Minnesota — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Oct 16
researched Sep 23
researched Sep 23
researched Oct 16
| 56452 | Hackensack | $537,500 | $275 | +29.2% | 42 | 100% | — | 1 | 6 | — | researched Oct 16 |
| 56473 | Pillager | $505,000 | $219 | — | 49 | — | — | — | 309 | $1,114 | researched Sep 23 |
| 56474 | Pine River | $292,074 | $206 | +2.5% | 29 | 98.1% | — | — | 44 | $830 | researched Sep 23 |
| 56484 | Walker | $354,450 | $164 | -35.9% | 88 | 97.5% | 12% | 6.2 | 51 | $1,250 | researched Oct 16 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Crime rates in Cass County remain low and are generally consistent with rural northern Minnesota trends, with property crime being the primary concern.
The county is served by several independent school districts, with performance varying by district; many schools are noted for smaller class sizes and community-focused programming.
The area faces moderate wildfire risk in forested regions and seasonal flood risks near the numerous lakes and river systems, influencing local insurance premiums.
Economic momentum is driven by tourism, forestry, and healthcare, with ongoing infrastructure investments in rural broadband and lake-area road improvements.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Minnesota) — Condominium Unit Taxation: Each unit constitutes a separate parcel for tax purposes. If a declaration is recorded at least 30 days before a tax installment is due, the taxing authority must split the taxes among the units. State (Minnesota) — Minnesota General Property Tax Classification System: Property tax is calculated by applying a class rate to the parcel's estimated market value to determine tax capacity, then multiplying by the local tax rate. For residential homesteads (Class 1a), the rate is 1.00% for the first $500,000 of market value and 1.
The economy is heavily reliant on the tourism and hospitality sector, supported by forestry and local government services.
Transportation is primarily served by state highways and county roads, with limited public transit options available.
The Cass County Assessor's office conducts annual market value assessments based on sales data and property inspections.
The county is served by various school districts and watershed management organizations that oversee local water quality and flood control.
Insurance markets are stable but sensitive to wildfire and water-related hazard risks common in northern Minnesota.
- Sugar Lake Lodge4.727.3 mi
- Northern Lights Casino3.918.1 mi
- Chippewa National Forest4.714 mi
- Walker City Park4.717.9 mi
- Chippewa National Forest4.714 mi
- Schoolcraft State Park4.520 mi
- Walker City Park4.717.9 mi
- Shingobee on the Bay4.118.7 mi
- Shores of Leech Lake4.918.8 mi
- Leech Lake4.710 mi
- Long Bow Golf Club4.418.9 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A major destination for fishing, boating, and tourism that serves as the primary economic and recreational anchor for the county.
Provides extensive trails, camping, and wildlife viewing opportunities, drawing visitors year-round.
Data retrieved from Census Reporter and data.census.gov.
applies when — Property containing a homestead subject to foreclosure
The mortgagor has the right to designate a portion of the property as a homestead to be sold and redeemed separately, provided it conforms to local zoning and is compact.
Minnesota Statutes 582.041
applies when — Parcels designated as condominium units
Each unit constitutes a separate parcel for tax purposes. If a declaration is recorded at least 30 days before a tax installment is due, the taxing authority must split the taxes among the units.
Minnesota Statutes 515A.1-105
Allows non-judicial foreclosure. Requires notice of sale to be mailed to the mortgagor at least 14 days before the sale date and published in a newspaper. Mortgagors have specific redemption rights following the sale.
Minnesota Statutes Chapter 580
Property tax is calculated by applying a class rate to the parcel's estimated market value to determine tax capacity, then multiplying by the local tax rate. For residential homesteads (Class 1a), the rate is 1.00% for the first $500,000 of market value and 1.25% for value exceeding $500,000.
2021 Classification Rate Table, Minnesota Department of Revenue
≈ $3,430/yr on a $343,000 median
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.